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Insufficient access to rural credit institutions, the absence of marketingchains for agricultural products and limited application of advanced farmingtechnology are the main development constraints in the Georgianagricultural sector. To research farmers’ demand for rural financial servicesa representative household survey was conducted early 2008 in the region ofShida Kartli (N=406). The survey included a choice experiment toinvestigate farmer’s preferences for characteristics of particular creditschemes. Results show that segments of the farmer population differ in theirpreferences for loan attributes. Furthermore, farmers expressed a very highdemand for small credits with individual liability, and one third of them haveexperience with loans. These findings provide useful information for futurecredit cooperatives. Barriers to implementation are lack of trust amongfarmers and misconception of cooperatives with the former Sovietkolkhozes. Information campaigns can therefore be a key ingredient for thesuccessful establishment of credit cooperatives.

Subject(s): Community/Rural/Urban Development

Financial Economics

Issue Date: 2009

Publication Type: Journal Article

PURL Identifier: http://purl.umn.edu/163752 Published in: Journal of Rural Cooperation, Volume 37, Number 1 Page range: 72-87

Total Pages: 16

Record appears in: Hebrew University of Jerusalem > Center for Agricultural Economic Research > Journal of Rural Cooperation





Autor: Glenk, Klaus ; Pavliashvili, Johanna ; Profeta, Adriano

Fuente: http://ageconsearch.umn.edu/record/163752?ln=en







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